📊 AI Stock Rating — Summary

Old Republic International reports a robust revenue of $2.42 billion for Q3 2025, with net income reaching $279.5 million, translating to an EPS of $1.15. Year-over-year, revenue increased by approximately 21%. Despite the revenue growth, the net margin stands at 11.5%. Free cash flow figures are not explicitly stated, though dividends paid have been substantial, including a special dividend of $2 earlier in the year. The balance sheet has improved with net debt turning negative at -$178.1 million, indicating strong liquidity. Shareholder returns have been boosted by consistent dividends and a 1-year share price increase of 15%, aligning well with analyst price targets between $42 and $46. The company's P/E, FCF yield, and debt/equity metrics were not provided but strong analyst sentiment and financial stability suggest favorable valuation. With high stable cash flow and strategic dividend payouts, ORI maintains a solid position to reward its investors.

AI Score Breakdown

Revenue Growth — Score: 8/10

Revenue increased by 21% YoY. Driven by strong sales performance and operational efficiency, indicating healthy growth momentum.

Profitability — Score: 7/10

The company achieved an EPS of $1.15 and a net margin of 11.5%, reflecting good profitability. Fluctuating quarterly net income, including a negative EPS in Q2, impacts overall assessment.

Cash Flow Quality — Score: 7/10

With consistent high free cash flow and substantial dividend distributions, cash flow quality appears strong, despite the absence of explicit FCF data.

Leverage & Balance Sheet — Score: 8/10

Negative net debt of -$178.1 million signals excellent liquidity and financial resilience, reducing reliance on external financing.

Shareholder Returns — Score: 8/10

The 15% increase in share price over the past year paired with substantial dividends implies significant returns for shareholders, supported by strong market performance.

Analyst Sentiment & Valuation — Score: 7/10

Analysts suggest a price range of $42-$46, indicating potential upside. While the absence of detailed valuation metrics precludes in-depth evaluation, investor outlook remains positive.

⚠ AI-generated — informational only, not financial advice.